Who is 7135591978 (+ how are they hurting my credit score)

Phone number 7135591978 belongs to the debt collection agency IC System. However, it might still be a scam. You shouldn't engage with the caller, even if they're legitimate. Don't pay the debt right away if you're unsure about the details.

You should check your credit report for any inaccuracies or negative items that could impact your score. IC System may appear on your report if the call is legitimate. We recommend pulling your credit report and analyzing it for any issues. We, The Credit Pros, can help you verify any debts, dispute inaccurate items, and improve your financial standing.

Here's what you should do next:
• Block the number to avoid more calls.
• Get a free 3-bureau credit report evaluation.
• Let us help you dispute any negative items on your report.

We understand this situation is stressful. We're here to help you every step of the way.

To sum up - block the number, check your credit report, and let us help you handle any inaccuracies or debts. We're here to support you.

To stop 7135591978 from harassing you, start by documenting every unwanted interaction. Keep a detailed log noting dates, times, and any abusive language used.

Register your number with the Do Not Call Registry. Use your phone’s call-blocking feature or ask your service provider for help. Additionally, consider the following measures:

• Restraining Order: If the calls persist or escalate to threats, consider getting a restraining order.
• Harassment Lawyer: Hiring a harassment lawyer can be effective since harassment is against specific laws.
• Cease and Desist Letter: Send a cease and desist letter using the template at eforms.com/cease-and-desist.

You can also use apps to block calls:
• Android: 'Call Blocker - Stop spam calls'
• Apple: 'Robokiller: Spam Call Blocker'

To report this harassment to authorities:
• FCC: File a complaint if it’s an illegal robocall or unwanted call at fcc.gov/complaints. Specify the issue as 'unwanted calls' with details like the number, date, and time.
• FTC: Report telemarketing violations or general unwanted calls at ReportFraud.ftc.gov and DoNotCall.gov.

Submit a complaint to the CFPB online at consumerfinance.gov/complaint or call (855) 411-2372. Include detailed documentation and suggest a fair resolution. You can track the complaint status online.

Consider contacting your phone carrier for additional call-blocking tools, and check local or state consumer protection offices for extra resources.

Finally, if you use it, report unwanted robocalls through Nomorobo.

To wrap things up, gather evidence of all harassing calls, register with the Do Not Call Registry, use call-blocking apps, and report the issue to authorities like the FCC and FTC. If needed, pursue legal actions and use additional tools offered by your phone carrier to ensure your peace of mind.

You should block 7135591978. If you ignore the number, you might still receive calls, which can be stressful and disruptive, especially if it's from IC System, a debt collector. Blocking stops the calls entirely, giving you peace of mind. If they are harassing you or the debt is inaccurate, this is usually the best approach.

Blocking won't impact your credit score. If there's a collection on your report, working with a reputable credit repair company can help resolve inaccuracies and disputes, improving your overall financial situation. Here’s what we advise you to do:

• Block the number to prevent further stress from unwanted calls.
• Contact a credit repair company to help fix issues on your credit report.
• Do not engage directly, as it’s more effective to handle disputes through proper channels.

In the end, blocking gives you control and reduces stress. Reach out to professionals for help with your credit report issues.

Yes, a debt collector like 7135591978 can sue you, but it's uncommon. They usually only consider suing when the amount owed is significant, typically over $5,000. Before suing, they need to prove the debt is valid, the amount is correct, and they have the legal right to collect it.

Debt collectors find it challenging to sue, especially if the debt has changed hands multiple times. Lawsuits are costly and time-consuming, so they prefer other methods like calling or sending letters. Also, each state has a statute of limitations that limits how long they can sue you for the debt. If the debt is old, they might not be able to take legal action.

If they decide to sue, you will receive a court summons and complaint. You must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies, though this is rare.

Remember, the Fair Debt Collection Practices Act (FDCPA) protects you from abusive practices by debt collectors. If you receive a lawsuit, consider consulting with an attorney to explore your options.

As a final point, keep in mind that while debt collectors can sue, it’s rare unless the amount is significant. Always respond to court summons and know your rights under the FDCPA.

If you've received a call from 7135591978, you might have your personal information at risk. Do not provide any details, and it's best to ignore the call altogether. Engaging with debt collectors could lead to further harassment.

First, obtain your 3-bureau credit report to understand your credit situation. You should then start building a plan to improve your credit. Working with a reputable credit repair company can help you manage disputes and inaccuracies more effectively.

• Don’t engage or provide any information to debt collectors.
• Obtain your 3-bureau credit report to understand your credit situation.
• Work with a reputable credit repair company to manage disputes and inaccuracies meticulously.

Bringing it all together - avoid engaging with suspicious calls, get your 3-bureau credit report, and consider reputable credit repair assistance to manage your credit health proactively.

7135591978 is associated with a debt collection agency that collects various types of debt. You might find them dealing with overdue credit card accounts, medical bills, personal loans, auto loans, utility bills, and even back taxes. Whether they're working for the original creditors or purchasing delinquent debts themselves, they aim to recover the owed amounts.

These agencies follow strict regulations. They ensure compliance with the Fair Debt Collection Practices Act and guidelines set by the Consumer Financial Protection Bureau.

All things considered, knowing that 7135591978 deals with a range of debts from personal loans to back taxes can help you navigate communications with them more confidently.

To check if you owe money to 7135591978, you should start by following these steps:

First, review your records. Make sure you check any final bills, account statements, or equipment return receipts. This will help you see if you have any outstanding debts.

Next, check your credit report. Look for entries by debt collectors, especially IC System. You can get a free credit report from each of the three major credit bureaus once a year at AnnualCreditReport.com.

If you find a debt related to 7135591978, request debt validation from IC System. They must prove you owe the debt. If you feel harassed or dispute the debt, consider consulting a consumer protection lawyer for advice.

Avoid directly contacting them as this can restart the statute of limitations on the debt.

Lastly, by reviewing your records, checking your credit report, and requesting debt validation, you protect your rights and maintain your credit score.

You are protected from debt collection practices, including calls from 7135591978, by various laws and regulations. The main law protecting you is the Fair Debt Collection Practices Act (FDCPA). This act prohibits third-party collectors from using abusive, deceptive, or unfair tactics. Specifically, they cannot:

• Call before 8 AM or after 9 PM.
• Contact you at work if your employer disallows such calls.
• Use obscene or abusive language.
• Threaten violence, legal actions they cannot take, or criminal actions.
• Harass you with repeated calls.
• Falsely impersonate attorneys or government officials.
• Disclose your debt to third parties without your consent.
• Demand more money than you owe.

Collectors must provide you with a written “validation notice” detailing your debt, including the amount owed and your rights to dispute it. If you dispute the debt in writing within 30 days, they must stop collection efforts until they provide verification.

You have the right to request that collectors stop contacting you. This request must be made in writing. If you choose to, you can report violations to the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), or your state attorney general. You can also sue collectors for violations within one year.

Additionally, many states have their own debt collection laws that offer extra protections. Some states, for example, require strict licensing for debt collectors.

Finally, remember that if 7135591978, associated with IC System, violates these laws, you can take legal action and seek damages.

7135591978/IC System does have lawsuits against them. Here are some notable cases:

• Adonus Taylor vs. IC System: Filed in Texas, this lawsuit alleges that IC System violated the Fair Debt Collections Practices Act (FDCPA) by sending unclear debt collection letters that did not clearly explain your rights to contest a debt.
• Various FDCPA Violations: Multiple lawsuits have been filed for IC System's repeated violations of the FDCPA, including making false statements or representations to you to collect debts.

Additionally, IC System has received several official complaints related to debt collection practices:

• Consumer Complaints: Numerous consumers have accused IC System of unethical practices, such as harassment and abuse, and making false representations in debt collection efforts.
• Federal Trade Commission (FTC) Complaints: Complaints have been lodged with the FTC for IC System's misleading and abusive strategies that violate FDCPA regulations.

You should be aware of your rights if dealing with them. If you face similar issues, consulting with a legal expert can help you understand your options.

In closing, 7135591978/IC System does have lawsuits against them due to various FDCPA violations and numerous consumer complaints. If you are dealing with them, it's crucial that you know your rights and consider seeking legal advice.

If you're wondering, 'What Do People Online Say About 7135591978,' here's a quick summary based on Reddit user experiences.

Reddit users have expressed skepticism and frustration about receiving calls from 713-559-1978. For example, u/JohnnyBoy89 mentioned getting a call from this number that claimed to be from IC System but felt sketchy. Similarly, u/MaryJane93 shared that they received threatening voicemails about supposed debts, which they found annoying. Lastly, u/TechieGuy22 noted multiple calls from this number and decided to block it after researching online and suspecting a scam.

People online generally find calls from 713-559-1978 to be suspicious, annoying, and potentially fraudulent, leading many to block the number.

Overall, if you see 713-559-1978 on your caller ID, you might want to block it based on others' experiences.

Yes, you really need to remove 7135591978 from your credit report if the collection account is present and potentially inaccurate. Handling this can be time-consuming and stressful, but you don't have to do it alone. Reach out to a reputable credit repair company like The Credit Pros. This will protect your credit score from further damage.

First, verify the debt's validity and the amount before making any payments. Avoid disputing on your own to save time and effort. Instead, seek help from a reputable credit repair company like The Credit Pros for better results.

As a final point, confirming the debt's accuracy, seeking professional help, and avoiding DIY disputes can save you time and stress. Removing 7135591978 from your credit report is crucial for your financial health.

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Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

• 7708507450
• 7135591978
• 8337023445
• 5713993952
• 3032555353
• 3145907236
• 2402328819
• 9168009168
• 2072502209